Okay, let’s tackle this. So Scott has 10+ years of experience in mortgage banking and lending, which is a significant amount of time. He’s worked in two companies, both as a loan specialist. His skills are in loan origination, FHA loans, residential mortgages, and customer service. These are in-demand skills, especially in the mortgage industry. Location is Tulsa, OK, which is a smaller market. For loan specialists with his experience and skills, I’d estimate a rate around $75 per hour. This is a rough estimate, as rates can vary widely depending on the company, location, and industry demand. However, based on national averages and considering Scott’s experience, I believe this is a reasonable estimate.